Search found 389 matches

by Dave55
Mon Feb 11, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Gas / Electric Fireplace only produces a low flame
Replies: 13
Views: 1042

Re: Gas / Electric Fireplace only produces a low flame

My gas fireplace would not light up last year (although it worked fine the year before). I called a service guy and for $140, he cleaned it out and it worked all last year and all this year every time I turned it on. I would call a service and not mess around with gas.

Dave
by Dave55
Thu Feb 07, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 107
Views: 10814

Re: Need Help - DW Laid Off and Company wants her back now

Keep in mind that all these opinions are worth exactly what you paid for them.... including mine. You and your wife should sit quietly, agree on how to proceed, make a determination if it seems reasonable (given your wife's knowledge of and experience with the company), then proceed. 2b2 I'll secon...
by Dave55
Sat Feb 02, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Should I purchase MacBook Pro or MacBook Air?
Replies: 23
Views: 1477

Re: Should I purchase MacBook Pro or MacBook Air?

I am planning to purchase a 13.3in MacBook either Pro or Air. This will primarily be used for UX Design work i.e. to use Sketch for design work (websites, mobile apps). Perhaps, use other software in the future (Adobe). Which one would you recommend buying? Also, I'm not sure what specs should I co...
by Dave55
Thu Jan 31, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 9790

Re: Were you 100% debt free at retirement

Yes out of debt at retirement and always held some cash for known and unknown expenses.

Dave
by Dave55
Fri Jan 25, 2019 12:20 pm
Forum: Personal Investments
Topic: Private business investment opportunity
Replies: 19
Views: 822

Re: Private business investment opportunity

I am meeting with an entrepreneur I recently connected with online. She and her partner have a business idea to provide services in a niche area and are seeking private investors. The market research indicates good potential with 25% profit margin. After initial launch, their plan is to expand over...
by Dave55
Sat Jan 19, 2019 2:29 pm
Forum: Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16816

Re: Why are you NOT buying rental properties?

When I was working, I was too busy to buy rentals. So I invested in RE through Limited Partnerships, in Multifamily, Office, storage, retail and development deals. I also had a short career in commercial estate for small boutique Private Equity companies that acquired retail, office or multifamily. ...
by Dave55
Wed Jan 16, 2019 8:14 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49415

Re: John Bogle is dead at 89

Jack Bogle, thank you for sharing your innovative investing formula and models with us. They truly transformed the way I and many others invest.

Condolences to the Bogle family.

Dave
by Dave55
Mon Jan 14, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Help me pick a retirement date. Or enough is enough?
Replies: 33
Views: 4226

Re: Help me pick a retirement date. Or enough is enough?

One idea that may smooth out the next 2.5 years for you, is, if you are able to, take as many Friday's or Monday's off as you can, giving yourself a 3 day weekend as often as possible. That could take some of the edge off.

Good Luck,

Dave
by Dave55
Sat Jan 12, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

"The New Iberia Blues", the newest Dave Robicheaux book by James Lee Burke. Like all of the books in the Dave Robicheaux series, a page turner and totally enjoyable.

Dave
by Dave55
Sat Jan 12, 2019 8:40 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9732

Re: Did you ever "win" big?

Never won big with a stock, but I invested in an apartment building in Anaheim CA back in the 90's, got 2.5X my money back in 3 years. I also invested in a hedge fund back in the 90's that was Oil and Gas Services, I knew the manager, very sharp guy who grew up in the Oil and Gas services industry, ...
by Dave55
Sun Jan 06, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

"Appaloosa" by Robert B. Parker Parker's initial foray into the Western genre. Two gunslingers, Virgil Cole and Everett Hitch, become marshals of the town Appaloosa. Much gunplay transpires. The book reads like a combination of High Noon, Dodge City, Rio Bravo, and a 1959 Western titled Warlock. Th...
by Dave55
Sun Jan 06, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

"212" by Alafair Burke (James Lee Burke's daughter). New York City detective Ellie Hatcher solving homicides and all that comes along with it. This book is 3rd in the Ellie Hatcher series. Hard to put these books down.

Dave
by Dave55
Sat Jan 05, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: How old is too old to buy a house?
Replies: 50
Views: 4123

Re: How old is too old to buy a house?

A good friend bought a house in his mid seventies and my Dad bought a house a few years back when he was 86. He is 90 now still living independently.

OP: go for it.

Dave
by Dave55
Sat Dec 29, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Father-in-law denied apartment for lack of income even though he has assets. What to do?
Replies: 77
Views: 7717

Re: Father-in-law denied apartment for lack of income even though he has assets. What to do?

Ron Ronnerson wrote:
Sat Dec 29, 2018 1:55 pm
DanMahowny wrote:
Sat Dec 29, 2018 1:54 pm
Pre-pay?
He offered to do that for the entire 12-month lease. They said that isn't allowed.
Ron did you take the pre-pay offer to the manager of the apartment building? Or owner? I would find it hard to believe that the manager or owner would turn that down.

Dave
by Dave55
Sun Dec 16, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 651
Views: 65736

Re: What frugal thing did you do today?

Switched to Xfinity Mobile from Verizon, will reduce our monthly cell/data bill from $115.00 to $35.00

Dave
by Dave55
Fri Dec 14, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

I just finished "Maisie Dobbs" by Jacqueline Winspear, totally enjoyed it. Maisie is a private eye in London in the 1920's solving a case, and a good amount of the book is background as to how she became a P.I. Also read "Burning Bright" by Nick Petrie. The main character in the book is Peter Ash, a...
by Dave55
Sun Nov 11, 2018 9:54 am
Forum: Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 14243

Re: Are We In A Real Estate Bubble?

A friend in NYC/Manhattan has a beautiful one bedroom in for sale, she said it is a buyers market now. My wife has a good friend who is a realtor in Boulder Metro area here in CO, she said sales have slowed way down.

Dave
by Dave55
Wed Nov 07, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Actively Managed Bond Funds
Replies: 24
Views: 1778

Re: Actively Managed Bond Funds

Fidelity has been promoting the active management of Bond Funds/ETF's. Their position is that that investors can find alpha by taking advantage of the expert analysis of active managers. It is interesting to me that by doing this Fidelity is essentially admitting that active management has NOT retu...
by Dave55
Tue Nov 06, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

"Past Tense", the newest Jack Reacher by Lee Child. Excellent entertainment.

Dave
by Dave55
Fri Nov 02, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 4192

Re: Thoughts on the New Macbook Air?

An Apple certified Tech/Consultant that I use occasionally for complex issues suggested to me that the MacBook Pro may be better way to go than the new Air. For about the same dollars (for my specific needs), and 1/4 pound more weight, you get better/faster processors, more memory, more ports and mo...
by Dave55
Fri Nov 02, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 13380

Re: Core-4 Investing is LIVE! It really is this time!

Rick I think the Core-4 site is great. It brings clarity to a number of solid options and sub-categories within them for both beginning and advanced investors. Thanks for sharing your knowledge and expertise.

Dave
by Dave55
Wed Oct 31, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

dave55: Lawrence Block is another of my favorites. Scudder series is outstanding as is the Keller series. If you havent read those, be sure to check them out. Also he has a series on a thief...cannot recall the name. Also a great series. ed Thanks for Keller series tip Ed. I loved Scudder series. I...
by Dave55
Tue Oct 30, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

free at last... I am also concerned of Michael Connelly's situation with Harry Bosch. Along with James Lee Burke's similar 'problem' with Robicheaux charactor. I have no idea of how old Dave is, but as a Viet Nam vet (similar to Harry) he must be well into his 60s. Connelly and Burke are two of my ...
by Dave55
Mon Oct 22, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 89
Views: 9078

Re: What's Your Fixed Income Strategy?

There are a lot of great threads and posts about specific Bond and/or CD topics that helpful Bogleheads respond to, but I'm interested in your Philosophy and Strategy (two of three of Rick Ferri's attributes in investing) when it comes to the fixed income portion of your AA, especially folks 5 year...
by Dave55
Mon Oct 22, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8900

Re: Quitting w/o notice

Everybody talks. Let me repeat, EVERYBODY talks. Industry communities are a lot like a small town. At the same time, don't make this harder on yourself than you have to. I've been on both sides of this, as well as downstream of picking up the slack when somebody else leaves. - Give your two weeks n...
by Dave55
Fri Oct 19, 2018 8:44 am
Forum: Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5461

Re: Spoke with a CFP...underwhelming!

delete
by Dave55
Fri Oct 19, 2018 8:43 am
Forum: Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5461

Re: Spoke with a CFP...underwhelming!

abuss368 wrote:
Thu Oct 18, 2018 9:00 pm
Dave55 wrote:
Thu Oct 18, 2018 8:36 am
I have had 3 advisors over the past 30 years, been DYI since 2011. All those advisors were CPA's too and they all had the same asset allocation for taxable and the IRA accounts.


Dave
Hi Dave -

CFP's or CPA's?
I meant CFP, not CPA's.
Thanks Tony,

Dave
by Dave55
Thu Oct 18, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

Just finished The Perfectionists:How Precision Engineers Created the Modern World by Simon Winchester. Fantastic. So I'm starting another of his, A Crack in the Edge of the World . Finished The Late Show , by Michael Connolly, a police procedural, with a new protagonist, Renee Ballard. Pretty good....
by Dave55
Thu Oct 18, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

"Dead Irish" by John Lescroart. Murder mystery, the first of 16 in the Dismas Hardy series. So far so good.

Dave
by Dave55
Thu Oct 18, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5627

Re: Jury duty - already booked vacation

Benbo wrote:
Tue Oct 16, 2018 10:49 am
Perhaps the summons was lost in the mail and you didn't receive it.....?
I knew a guy who that happened to for 30 years!

Dave
by Dave55
Thu Oct 18, 2018 8:36 am
Forum: Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5461

Re: Spoke with a CFP...underwhelming!

I have had 3 advisors over the past 30 years, been DYI since 2011. All those advisors were CFP's too and they all had the same asset allocation for taxable and the IRA accounts.


Dave
by Dave55
Wed Oct 17, 2018 8:48 am
Forum: US Chapters
Topic: metro Denver Bogleheads?
Replies: 48
Views: 7137

Re: metro Denver Bogleheads?

I am interested for sure. I also live in Louisville!

Dave
by Dave55
Sun Oct 14, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 102
Views: 10703

Re: Weigh in on our Marital Argument =)-- HCOL edition

Having grown up in a suburb of NYC, lived in NYC for several years, traveled to NYC for decades on business, I would not live in the city or anywhere near it. I was also fortunate to live in many cities and some rural places around the US, and you can get much more for your money housing wise elsewh...
by Dave55
Sat Oct 06, 2018 8:41 am
Forum: Personal Investments
Topic: Retired 66 year old
Replies: 10
Views: 2299

Re: Retired 66 year old

I have roughly 250 k to invest into a safe fund . This is my retirement fund for two of us. I have a pension of 18500 a year 18000 in ss and 8400 from the wife in ss. We have no payments. Any suggestions for what to do with 250k of the 400k we have. What is your definition of a "safe fund"? Dave
by Dave55
Thu Oct 04, 2018 7:57 am
Forum: Personal Investments
Topic: Syndicated Multi-fam Deals
Replies: 13
Views: 1309

Re: Syndicated Multi-fam Deals

searchher wrote:
Tue Oct 02, 2018 6:48 am
Anybody have any experience with investing in syndicates that buy multi-fam apartment buildings (Class B/C, 100+ units)?
Yes, I invested in dozens of these over several decades. Some did great, some so so, and some were disasters. I have not invested in them for over 10 years.

Dave
by Dave55
Wed Oct 03, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

"Swan Peak" the 17th book in the Dave Robicheaux series by James Lee Burke. As previously mentioned, I am having trouble pulling away from these books.


Dave
by Dave55
Sat Sep 29, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 39
Views: 3658

Re: Anyone hire an interior designer?

My wife hired an interior designer about 13 years ago in CA. It was an excellent move by dw. The designers input for furniture, rug, and location of it all made a big difference in a home we lived in for 6 years at that time. We still have all that furniture 3 homes & 3 states later. It all looks gr...
by Dave55
Thu Sep 27, 2018 6:47 pm
Forum: Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4692

Re: Warren Buffet Portfolio Critique

Don't take asset Allocation Advice from Billionaires:

https://awealthofcommonsense.com/2018/0 ... lionaires/


Dave
by Dave55
Wed Sep 26, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Economic reasons for rate increase by the Fed?
Replies: 71
Views: 6263

Re: Economic reasons for rate increase by the Fed?

The Fed does not want the economy "to overheat" because in the past that has led, or can lead to high inflation. They are attempting to moderate economic growth, so its not too much, nor is it too little.


Dave
by Dave55
Tue Sep 25, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: Other Portfolios that aren't 3 fund
Replies: 59
Views: 7495

Re: Other Portfolios that aren't 3 fund

I know the philosophy here and I will likely follow the same path once I can get a larger balance but in the meantime, I love playing around with funds and making different portfolios (not with real money of course). Usually using Portfolio Advisor (yes I understand this looks at the past and no on...
by Dave55
Thu Sep 20, 2018 5:57 pm
Forum: Personal Investments
Topic: should I invest it all now?
Replies: 7
Views: 1167

Re: should I invest it all now?

Hi everyone! I am new here and to this way of thinking. I have lost over $250,000 over the course of my life trying to BEAT the market but instead got Beat up... SO ITS A RELIEF TO FIND MR BOGLE AND THE BOGLEHEADS!! I have two questions that I would really appreciate input on. First one is , I have...
by Dave55
Tue Sep 18, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13582

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I obviously don't have any experience leaving companies since all my 25 years have been at one company....so the feedback from experienced people on this forum has provided new perspective and caused me to tune my approach. I kind of thought feedback on this forum might be 75% leave, 25% stick it o...
by Dave55
Sun Sep 16, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13582

Re: Considering Quitting Job - Seeking Advice. Would you do it?

How many Franklins can you fit in your coffin? A good friend of mine once remarked, "On your deathbed you will not have one thought about whether you should have worked harder or longer or achieved X in your career. You thoughts will be on those you loved and shared your life with".

Dave
by Dave55
Sun Sep 16, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13582

Re: Considering Quitting Job - Seeking Advice. Would you do it?

The work hours are wearing on me, and my spouse, and my family. I generally work 16 to 17 hours/day during the week (12 at the office, and 4 or 5 more when I get home, sometimes more…maybe a little less on Fridays), and typically about 15 hours on the weekend (trying to cram it all in one day, so I...
by Dave55
Sat Sep 15, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3578
Views: 1041081

Re: What Book Are You Currently Reading? Part VI

"Pegasus Descending" by James Lee Burke, the 15th in the series. All 15 are excellent.

Dave
by Dave55
Sat Sep 08, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1803

Re: Buy a house that needs full renovation?

The whole experience has been quite stressful so far and I think renovating would add a lot of stress and be time consuming - especially if I go significantly over budget. I currently rent so I don't have to move in right away. If this has been stressful so far, you ought to take a pass. The renova...
by Dave55
Fri Sep 07, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: D. E. Shaw fund prospectus - would you invest?
Replies: 35
Views: 2377

Re: D. E. Shaw fund prospectus - would you invest?

No. I gave up hedge funds in my 40's. Fees and lockups onerous. I would have done better in the S&P index.

Dave
by Dave55
Fri Sep 07, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Fee only Financial planners
Replies: 31
Views: 3006

Re: Fee only Financial planners

There are 2 Advisors I know about that use low fixed fees or flat fees:

http://www.cardiffpark.com/why-cardiff- ... visor-fees

https://www.evansonasset.com/fees-and-services-11.htm


Dave